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Court reporters transcribe the words spoken at court hearings and other official proceedings to produce word-for-word transcripts of everything that was said. They typically work on stenotypes, which allow them to type entire words or phrases by holding down several keys at once.

General Liability Insurance for Court Reporters – Premises liability risks may be minimal since court reporters often drive to meet their clients. Slips/trips/falls should still be prevented by maintaining the sidewalks and parking areas outside. Office areas should also be neat and orderly with adequate walk space between furniture.

Professional Liability (Errors & Omissions) Insurance for Court Reporters – Court reporters should maintain strict confidentiality of all recorded information in order to prevent professional liability claims. They should also proofread all documents to reduce the risk of errors and omissions claims. In addition, backups of all recorded information should be maintained in the event the original information is lost or destroyed.

Workers’ Compensation Insurance for Court Reporters – Court reporters should take periodic breaks in order to prevent repetitive motion injuries. Eyestrain may also be a concern for court reporters who use computers for long periods of time. Electrical shocks may occur if court reporters use equipment that has frayed wires or cords with worn out insulation.

Business Auto Insurance for Court Reporters – Court reporters will be at risk of automobile accidents due to the frequent travel to meet their clients. A larger radius of travel will increase business auto risks. Employees will likely drive their own vehicles and should carry sufficient Personal Auto liability insurance with at least $300,000 combined single limits. Business auto risks will increase with frequent travel, cell phone usage while driving, and driving in heavy traffic.

Property Insurance for Court Reporters – The fire load for court reporters may be significant with large amounts of paper files and office furniture. Paper files should be electronically scanned and/or saved to computer discs to help reduce the fire load. All computers and related equipment should be properly installed with sufficient daily backups kept off premises of all important data and software. Inland Marine coverage may be necessary to protect electronic data processing systems and the property of others. Smoke detectors and fire extinguishers should be strategically placed throughout the office. Computer equipment should be checked often for defective wiring.

Crime Insurance for Court Reporters – Employee dishonesty will be the main crime risk for court reporters. Employees should be pre-screened using detailed applications. Reference checks and background checks should be performed prior to hiring any new employees. Internal audits should also be performed on a frequent and irregular basis to help prevent embezzlement.